SMART Doc Components

The acronym SMART represents: • Securable • Manageable • Archivable • Retrievable • Transferable 

An electronic document created to conform to a specification standardized by MISMO®. A SMART Doc® can lock together data and presentation in such a way that it can be system-validated to guarantee the integrity of the document.

The SMART Doc® Specification is a technical framework for representing documents in an electronic format. This format links data, the visual representation of the form, and signature. The visual representation of the documents can utilize a variety of technologies, such as XHTML, PDF, and TIFF. A SMART Doc can be secured to prevent tampering. Therefore, the Specification allows system validation to ensure that what the borrower sees and signs on the computer screen is the exact document that will be stored. It also ensures that the data displayed on the screen will be the exact data used for processing the loan.   

The release and use of MISMO standards, including the SMART Doc 1.02 implementation guide and related materials, are governed by the MISMO Intellectual Property Rights (IPR) Policy.

Access Information for Members

MISMO members may download the documents in a comprehensive user-friendly file. MISMO members enjoy the additional benefit of XML examples and DTD files. Click here.

Access Information for Non-Members

Innovation Investment Fee Payers can access the SMART Doc® Specification for Commercial Usage here.

Non-MISMO Members may access documents individually:

SMART Doc Specification V1.02

SMART Doc Implementation Guide

eNote Map and Format

Data DTD

Framework DTD

Additional Resource:

FNMA Smart Doc® Validation Patent V1.0

Frequently Asked Questions V1.0

Technology Overview V1.0

FAQ for Using MISMO Version 3 with Documents



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